7 Best Credit Cards Independent Contractors and Self Employed

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It is crucial to keep your personal and business expenses separate if you are self-employed or an independent contractor. If not, you will have a lot of extra work come tax time.

I put all of this website’s business expenses on the no-annual-fee Blue Business Plus Card from American Express for everyday expenses, and the Chase Ink Preferred for any travel, internet, and phone expenses.

It helps me keep everything separate and earn a lot of rewards for my business spending.

Below are my favorite credit cards that you should consider as an independent contractor or if you are self employed.

1. The Blue Business® Plus Credit Card from American Express

2x Points on Everyday Spending
Blue Business® Plus Credit Card from American Express
  • Earn 15,000 Membership Rewards Points for $3,000 in Eligible Purchases in the First 3 Months
  • 2 Points Per Dollar on the First $50,000 in Purchases Each Calendar Year (1x Points thereafter)
  • 0.0% Intro APR on purchases for the first 12 months. After that, a variable APR of 16.99% – 24.99%.
  • No Annual Fee (Rates and Fees)
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The Blue Business® Plus Credit Card from American Express is one of my favorite cards because it has no annual fee and earns 2x Membership Rewards points on the first $50,000 in purchases every year. After that, you will earn 1 point on all other eligible purchases.

You can transfer Membership Rewards to 18 airlines and three hotel points programs, with several great sweet spots to travel in business class to anywhere in the world.

I put all of my everyday business spending on my Blue Business Plus because it is a quick way to rack up points for my next trip.

2. Capital One Spark Miles for Business

Capital One Spark Miles for Business
  • Earn 50,000 Bonus Miles After Spending $4,500 in the First 3 Months
  • 2x Miles On Every Purchase
  • Global Entry or TSA PreCheck Credit
  • No Foreign Transaction Fees
  • $0 Intro Annual Fee for the First Year, $95 Thereafter
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The Capital One Spark Miles for Business is one of the top travel rewards credit cards for small business owners.

The card earns unlimited 2 miles per dollar on all purchases, which can be transferred to Capital One’s airline and hotel partners.

The Spark Miles also offers a $100 statement credit for your Global Entry or TSA PreCheck application and no foreign transaction fees.

3. Ink Business Unlimited® Credit Card

$900 Welcome Bonus
Ink Business Unlimited®
  • Earn $900 Bonus Cash Back After Spending $6,000 in the First 90 Days
  • Unlimited 1.5% Cash Back on Every Purchase
  • Primary Rental Car Insurance
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The Ink Business Unlimited® Credit Card is a no-annual fee card that earns 1.5% cash back on all purchases, with a huge welcome bonus of $900 after spending $6,000 in the first 90 days.

It also pairs well with the Chase Sapphire Preferred or Chase Sapphire Reserve, which unlocks the ability to convert the Ink Business Unlimited cash back to airline and hotel points.

This combo allows you effectively earn 1.5 airline miles per dollar with this card, which is worth more than 1.5% cash back.

4. American Express Blue Business Cash™ Card

No Annual Fee
American Express Blue Business Cash™ Card
  • Earn a $250 Statement Credit After $3,000 in Eligible Purchases in the First 3 Months
  • 2% Cash Back On Up to $50,000 Per Year
  • 0% Intro APR on Purchases for 12 Months. After that, a variable rate of 16.99% – 24.99% applies.
  • No Annual Fee (Rates and Fees)
Learn More Our Review
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The American Express Blue Business Cash™ Card offers simple, straightforward rewards for no annual cost. 

This zero-annual-fee card earns a flat 2% cash back rate on all qualifying purchases up to $50,000 each year.

Offering an expanded buying power, the Blue Business Cash gives your business the flexibility to spend above your credit limit for your business expenses. 

5.  Chase Ink Business Preferred® Credit Card

100,000 Welcome Bonus Points
Chase Ink Business Preferred® Credit Card
  • Earn 100,000 Ultimate Rewards Points After Spending $15,000 in Purchases in the First 3 Months
  • 3X Points on Travel, Shipping, Advertising (Social Media and Search Engines), Internet, Cable, and Phone on the First $150,000 Each Account Year
  • 25% Additional Points Value in Travel Redemption
  • Primary Rental Car Insurance
  • Trip Cancellation/Interruption Insurance
  • Cell Phone Protection
  • Purchase Protection and Extended Warranty
  • No Foreign Transaction Fees
  • $95 Annual Fee

Click Here to Learn How to Apply

The Ink Business Preferred® is a versatile business rewards card earning 3x Chase Ultimate Rewards points on up to $150,000 in combined purchases per year in business categories, including shipping, online advertising, internet, phone, and travel. 

This business card offers a lucrative bonus of 100,000 points worth $1,000 cash back or $1,250 when redeemed toward travel via Chase.  

For $95 per year, the Chase Ink Business Preferred offers comprehensive protection, including trip cancellation insurance, trip delay insurance, primary rental car insurance, purchase protection, cell phone insurance, and extended warranty.

6. Marriott Bonvoy Business® American Express® Card

Marriott Gold Status
Marriott Bonvoy Business® American Express® Card
  • Earn 75,000 Marriott Bonvoy Points after $3,000 in Eligible Purchases in the First 3 Months
  • 6X Points at Marriott Hotels & Resorts
  • 4X Points at Restaurants Worldwide, at U.S. gas stations, U.S. Phone Service Providers, and on U.S. Shipping Purchases.
  • Annual Free Night Award (up to 35,000 Points)
  • 15 Elite Night Credits and Gold Elite Status
  • No Foreign Transaction Fees
  • $125 Annual Fee (Rates and Fees)
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Terms Apply

The Marriott Bonvoy Business® American Express® Card is a nice choice for business owners who want valuable hotel perks, including an annual free night at hotels costing 35,000 points plus 15 elite night credits to achieve higher status faster. 

The Marriott Bonvoy Business card earns 6x points at participating hotels and 4x points at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping.

You also receive automatic Marriott Gold Elite status, which offers a 25% points bonus, welcome amenity, space-available room upgrade, and priority late check-out. 

7. United℠ Business Card

75,000 Miles
United℠ Business Card
  • Earn 75,000 Miles after Spending $5,000 in the First 3 Months
  • 2X Miles for United Airlines, Dining, Gas Stations, Office Supply Stores, Local Transit, and Commuting
  • 2 United Club One-Time Passes Per Year
  • $100 United Travel Credit
  • Free First Checked Bags and Priority Boarding
  • Primary Rental Car Insurance
  • Trip Delay and Trip Cancellation/Interruption Insurance
  • $0 Intro Annual Fee, $99 Annual Fee Thereafter

Click Here to Learn How to Apply

The United℠ Business Card currently offers a welcome bonus of 75,000 miles after spending $5,000 within three months.

The United Business card offers nice perks on United Airlines, including:

  • Two United Club lounge passes annually;
  • Priority boarding for you and your companions;
  • Free first checked bag for you and one companion on the same reservation;
  • 25% back on in-flight purchases in the form of statement credits;
  • $100 Annual Travel Credit if you make at least seven United flight travel-related purchases, each totaling at least $100;
  • Anniversary bonus of 5,000 miles;
  • Premier upgrades on award tickets; 
  • Expanded award availability; and
  • Ability to earn Premier Qualifying Points for United elite status with spending.

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

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